Car Insurance

Coverage you can count on.

Think of AAA as a one-stop shop for your car.

You get:

  • Insurance coverage you can trust, with fast claims service and A-rated stability
  • Personal assistance from agents who cater to your needs and budget
  • Save an average of $376 when you switch to AAA Auto Insurance.*
  • Extra perks when you add AAA Membership, including 24/7 roadside assistance, discounts on car repair, in-branch DMV services, and more

Your state2 requires drivers to carry car insurance with the following minimums:

Bodily Injury Liability

$15,000 per person / $30,000 per incident

Learn more about bodily injury coverage

Medical Payments

Uninsured Motorist Property Damage

Property Damage Liability

Driving a newer vehicle? Still making payments? Want extra peace of mind? AAA Auto Insurance offers coverage to fit your situation:


May cover the cost of repairing or replacing your vehicle if you’re involved in a crash, no matter who was at fault.

Rental Reimbursement

Pay your rental car costs when your vehicle is in the shop and the repairs are covered by your insurance policy. 

Gap Insurance

Make up any difference between what your regular auto policy pays for your financed vehicle and what you still owe to the lender if your ride gets totaled.


Protect yourself if your vehicle is stolen, vandalized, or damaged by fire, flood, earthquake, falling objects, or various other causes that aren’t a collision.

Accidental Death Benefits

May pay end-of-life expenses if you’re involved in a fatal collision and don’t have life insurance coverage.

New Car Added Protection

Can pay for repairs or replace your new vehicle without depreciation should it be damaged or totaled in a covered loss.

It’s common to wonder how much coverage you really need and smart to base your decisions on clear, reliable information. Our experts can explain the ins and outs of every policy—and help you find what’s right for you.

Photo of a car with a dented rear bumper

What is an Insurance Claim?

The whole point of insurance is to protect yourself financially if something goes wrong. When an incident occurs—you wreck your car, a thief snags your laptop, a friend slips on your throw rug and breaks an ankle—you submit a claim. With this request for compensation, you’re essentially asking your insurance provider to make good on your coverage and pay to fix your ride, replace your gear, or pay your friend’s medical bill.

Learn more about insurance claims

How much car insurance do I really need?

Great question! See the chart above, plus these tips for figuring out the best coverage for you.

What's the best way to compare car insurance quotes?

Do teens and other young drivers need more insurance coverage?

In general, yes—but there are ways to get covered without breaking the bank.

What can raise or lower my cost of car insurance?

Your age, your driving record, and more. Find out what could be causing your premium to increase.

What happens if I hit a deer or another large animal?

Your car insurance will pay for damage to your vehicle — if you have the right coverage.

What are some common mistakes people make with car insurance?

We’re so glad you asked: Check out this shortlist of urban myths and get the facts!

Get More With AAA Membership

Combine AAA Membership with your AAA Insurance policy to get even more, including:

  • 24/7 roadside assistance
  • Discounts on car repair
  • Additional vehicle services at select AAA branches
  • Experienced insurance agents to customize your policy

*Average savings is based upon a two-week survey conducted in March 2020 of approximately 270 customers from the states of CA, NV, UT, AZ, WY and MT who said they saved money when switching to AAA Insurance from a different carrier.

Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines, and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply. Insurance premium does not include the price of Membership.

Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.